BlastPoint's Credit Union Scorecard
WELD COMMUNITY
Charter #63122 · CO
WELD COMMUNITY has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.56% above tier average
- + Total Delinquency Rate (60+ days): Top 2.1% in tier
- + Share Certificate Concentration (%): Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency ratio 0.42% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,155
-1.8% YoY-0.3% QoQ
|
-8.0K |
15,145
-2.5% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
Bottom 12.3% in tier |
| Assets |
$110.9M
-1.1% YoY+2.0% QoQ
|
$-120.8M |
$231.7M
+0.8% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.8% in tier |
| Loans |
$58.9M
-9.0% YoY-2.8% QoQ
|
$-85.2M |
$144.1M
+0.2% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.7% in tier |
| Deposits |
$98.2M
-2.2% YoY+2.0% QoQ
|
$-103.0M |
$201.1M
+0.4% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.6% in tier |
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| ROA |
0.9%
-15.9% YoY-0.7% QoQ
|
+0.2% |
0.7%
+5.1% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
64% |
| NIM |
4.2%
+0.0% YoY-5.0% QoQ
|
+0.6% |
3.6%
+4.6% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
82% |
| Efficiency Ratio |
78.4%
+0.4% YoY-4.1% QoQ
|
+0.4% |
78.0%
-1.7% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
49% |
| Delinquency Rate |
0.0%
-66.3% YoY-68.9% QoQ
|
-0.7 |
0.8%
+7.1% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
Top 2.1% in tier |
| Loan To Share |
60.0%
-6.9% YoY-4.7% QoQ
|
-10.4% |
70.4%
-0.4% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
27% |
| AMR |
$21,951
-3.1% YoY+0.4% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration |
5.6%
-28.5% YoY-1.0% QoQ
|
-18.6% | 24.3% | 26.7% | 19.8% | 50% |
| Indirect Auto % |
16.2%
-17.0% YoY-1.8% QoQ
|
+2.4% | 13.8% | 12.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)